Apartment Owners Insurance
Owning rental properties can be profitable — but also risky. Storms, tenant damage, and liability claims can disrupt income and create costly repairs. Landlord insurance differs from standard homeowners insurance and is specifically designed for rental property risks.
Baer Insurance Services in , Wisconsin provides expert guidance for apartment owners and landlords of all property sizes.
Our insurance professionals will find the coverage that gives you real peace of mind.
Owning rental property means protecting your buildings, your rental income, and yourself against liability claims from tenants and visitors. Apartment owners insurance brings these coverages together for landlords.
Core Coverages for Apartment Owners
A typical program includes commercial property for the buildings, liability for tenant and visitor injuries, loss of rental income after a covered loss, and optional coverage for on-site equipment and, where employees are involved, workers’ compensation.
What does apartment owners insurance cover?
It generally covers the building structures, liability for injuries on the property, and lost rental income if a covered loss makes units uninhabitable.
Does it cover my tenants’ belongings?
No. Your policy covers the building and your liability, not tenants’ personal property. Tenants should carry their own renters insurance.
What is loss of rental income coverage?
It reimburses the rent you would have collected when a covered loss, such as a fire, makes units temporarily unrentable.
Does it cover flood damage to my property?
No. Flood is excluded and requires a separate flood policy, which we can arrange for your rental property.
Why buy apartment owners insurance through an independent agent?
As an independent agency, Baer Insurance Services represents many carriers, so we can match coverage to the size and type of your rental portfolio, with personal, local service.
Apartment Owners Insurance — Coverages Can Include:
-
Building/property damage -
Liability claims coverage -
Loss of rental income -
Multi-property coordination -
Flood add-on options -
Earthquake add-on options -
Tenant damage protection -
Regulatory compliance
Protect your income and buildings with Apartment Owners insurance from Baer Insurance Services in , Wisconsin. Our insurance professionals will provide coverage that eases your mind.